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Yesterday I wrote about the big value you can get from The Hyatt Credit Card. In addition to a huge sign-up bonus, the card has a $75 annual fee and offers an anniversary free night certificate that’s valid at any Category 1-4 Hyatt property. You also get Discoverist status for as long as you have the card, and can earn Explorist status when you spend $50,000 on the card in a calendar year. The card is a no brainer for anyone who is eligible and stays at Hyatts at least once in a while.
On that post, reader JJ left the following comment:
What do you think about IHG card which annual fee is $49 and the annual free reward has no cap that you can use anywhere in the world. I have Hyatt card already and love it but I’m also interested in getting IHG card and want to know what do you think about that card.
It has been a while since I’ve written about the IHG® Rewards Club Select Credit Card. If this is a card you don’t have, you absolutely should get it. There are three great long term perks to having this card:
- An anniversary free night certificate every year, which is valid at any IHG property worldwide, pending availability; given IHG’s global footprint, that should justify the card for just about anyone
- IHG Rewards Club Platinum status for as long as you have the card, which gets you bonus points, room upgrades, etc.
- A 10% rebate on points redemptions, for up to 100,000 points back each year
To simplify this as much as possible, being able to earn an anniversary free night certificate for $49 per year is a no brainer. I’m not otherwise an IHG loyalist, but I’ve consistently gotten outsized value with this perk. I’d argue the value of the anniversary free night certificate has recently just gone up in relative terms, as IHG increased the cost of redemptions at their top properties from 60,000 points to 70,000 points per night, and the free night certificate can still be used at those properties.
For example, last week I needed to spend a night in Geneva, which isn’t a cheap city. I managed to redeem my IHG® Rewards Club Select Credit Card anniversary free night certificate at the InterContinental Geneva, which would have retailed for $400+ per night. Booking that using a certificate on a $49 annual fee card was a no brainer.
This card isn’t subjected to the 5/24 rule, meaning you can get approved even if you’ve opened five or more new card accounts in the past 24 months. You also want to open this card as soon as possible, because the longer you wait, the longer until you get your first anniversary night certificate.